MASTER CREDIT SOLUTIONS - HOW WE CHALLENGE ITEMS

STEP 1 - Letters to the Bureaus - Experian, Transunion, and Equifax.
	An analysis of the credit report is done by the paralegals to determine which trade line items will be challenged.  A report is sent to processing, via spreadsheet, for the development of the Demand Letters.
	No more than 4 items (trade lines) are put into one letter.  For example, if there are 15 items being challenged with Transunion, there will be 4 letters developed and sent to Transunion in 4 separate envelopes.  All letters are sent to the Attorney for his signature.  They are then sent out via mail.
	Typically, the bureaus have 30 days to respond.  Their clock starts when they receive our Demand Letters.  The bureaus must, by law, investigate and remove any item they cannot document as being verifiable, accurate, and not obsolete.  The bureaus send back their responses.  Depending on what part of the country you live in, Transunion and Experian will send their reports back to the consumer, while Equifax sends their report back to the MCS office.  In the Western part of the United States, Equifax sends their reports back to the consumer. The consumer MUST send ALL information from the bureaus back to Master Credit Solutions, either by fax, e-mail, or regular mail.  Why?  There is absolutely no way we can determine which items have been deleted without these. The spreadsheet is updated and sent to the consumer along with the Deletion Fee sheet.  Round two will go out after the deletion fees are paid. Step 2 – Round TWO to the Bureaus  A second round of letters goes out to the credit bureaus demanding a reinvestigation and a demand for the Name, address and phone number of the person/entity that conducted the reinvestigation. The Demand Letters are sent to the attorney for signature.  They are sent out via mail. Again, the bureaus have 30 days to respond.  Upon the bureaus response, we update the spreadsheet again and send them to the client, along with the Deletion Fee sheet.  The consumer MUST send ALL information from the bureaus back to Master Credit Solutions, either by fax, e-mail, or regular mail.  The spreadsheet is updated to include the name, address and phone number of the creditor. Step 3 – Round 3 to the Creditors Pursuant to Title 15, Section 1666 of the United States Code, Master Credit Solutions demands all documentary evidence pertaining to the account be sent to us. The Creditors must comply with this and send us all supporting documentation regarding the trade line.  If they do not, or send us inappropriate information, it should be deleted. During this process the responses are directly sent to each creditor.  Each creditor will send their response back to MCS and NOT to the client. If they do not, then we go to step 4. Step 4 – Round 4 Certified Mail to the Creditors (additional charge)  A lot of times, the creditors, either due to lack of understanding of Title 15 Section 1666, or by intention, they will not send the appropriate information or will totally ignore us.  What now? We send a second letter to the Creditors, Certified. We now have the name of the person signing for it and when it was received by the Creditor. Now if they ignore us, they are on record as doing so. If they do not respond according to law, we take all supporting documentation and send to the bureaus for removal. , Credit bureaus if they refuse to correct information after being provided proof are subject to penalties for   Defamation and Willful Injury.  Step 5 – Sue  If the bureaus now do not remove the disputed item, THE CLIENT files in Conciliation Court in their jurisdiction.  This cannot be done by Master Credit Solutions – it must be done by the consumer.  MCS will forward l supporting documentation to the consumer to support their claim. (An alternative step to step four above would be to send all supporting documentation to the appropriate State Attorney General’s office and to the Federal Trade Commission.)